BlastPoint's Banking Scorecard
Fredonia Valley Bank
Micro
Specialty: Other
KY
FDIC cert 9669
Designations: ✓ Community bank
Fredonia, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Fredonia Valley Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.83% above tier
- - Nonperforming Asset Ratio 1.20% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$115.7M
+5.0% YoY
+2.2% QoQ
|
-$101.8M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$71.8M
+5.1% YoY
-0.7% QoQ
|
-$67.4M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$101.1M
+6.1% YoY
+2.7% QoQ
|
-$82.5M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
0.85%
+18.4% YoY
-2.6% QoQ
|
-0.24% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
3.88%
+6.1% YoY
+1.2% QoQ
|
+0.02% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
70.32%
-6.8% YoY
-1.3% QoQ
|
+2.60% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
2.47%
+22.9% YoY
+13.5% QoQ
|
+1.83% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
70.96%
-0.9% YoY
-3.4% QoQ
|
-3.57% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
24.45%
-12.5% YoY
+0.8% QoQ
|
+2.06% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
1.65%
+32.8% YoY
+8.2% QoQ
|
+1.20% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.40%
-1.4% YoY
+28.7% QoQ
|
-0.16% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.47%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
1.65%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.45% · Tier avg: 22.39%
60
60th pctile
Loan-to-Deposit Ratio
Current: 70.96% · Tier avg: 74.53%
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
54
54th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Efficiency Ratio
Current: 70.32% · Tier avg: 67.73%
37
37th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.08%
30
30th pctile
Total Loans
Current: $71.8M · Tier avg: $139.2M
29
29th pctile
Total Deposits
Current: $101.1M · Tier avg: $183.7M
27
27th pctile
Total Assets
Current: $115.7M · Tier avg: $217.5M
10
10th pctile
Nonperforming Asset Ratio
Current: 1.65% · Tier avg: 0.45%
9
9th pctile
Delinquency Rate
Current: 2.47% · Tier avg: 0.64%
Top Weaknesses
9
9th pctile
Delinquency Rate
Current: 2.47% · Tier avg: 0.64%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.65% · Tier avg: 0.45%
27
27th pctile
Total Assets
Current: $115.7M · Tier avg: $217.5M
29
29th pctile
Total Deposits
Current: $101.1M · Tier avg: $183.7M
30
30th pctile
Total Loans
Current: $71.8M · Tier avg: $139.2M
37
37th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.08%
39
39th pctile
Efficiency Ratio
Current: 70.32% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.85%
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
60
60th pctile
Loan-to-Deposit Ratio
Current: 70.96% · Tier avg: 74.53%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.45% · Tier avg: 22.39%